We the Homeowner

Legislative Tracker

CA SB 900: The law increases association responsibility for restoring critical utility services, including water, gas, electricity, and heat. Associations may utilize emergency funding tools when reserves are inadequate, creating both operational flexibility and expanded

NC S 1015: The bill includes language affecting private restrictions governing residential property used for family child care. It fits the national pattern of childcare and housing-access policy being used to preempt private covenants.

CA AB 130: California now limits many non-health-and-safety HOA fines to $100 unless a board specifically finds a health or safety impact during an open meeting. Associations must provide owners opportunities to cure violations and utilize dispute-resolution procedures b

CA SB 1007: Would reduce the maximum annual HOA assessment increase from 20% to 8% unless homeowners approve a larger increase. The bill has passed the Senate and now moves to the Assembly.

MI HB 5784: HB 5784 would amend the Michigan Condominium Act's reserve provisions by modifying requirements for associations of co-owners to conduct reserve studies and establish reserve-funding plans. It could move Michigan toward a more comprehensive statewide reserve-p

US H.R. 5484: Comprehensive NFIP overhaul: creates state revolving loan funds for flood mitigation, prioritizes low-income homeowners, expands coverage beyond special flood hazard areas, and includes an auto-enrollment study. NFIP lapsed briefly during the Oct-Nov 2025 gove

US H.R. 4100: Prohibits application fees, tenant screening fees, and late fees above 3% of monthly rent for federally-backed housing. Requires landlords to disclose 10 years of rent increase history and any ongoing pest/maintenance issues. Referred to Financial Services and

US S. 3754: Protects homeowners and renters from housing cost increases and affordability loss. Full text pending committee review. Name suggests strong alignment with WTH mission; confirm scope before upgrading position.

US H.R. 7138: Ends tax breaks and housing benefits for Wall Street landlords. Eliminates favorable tax treatment (depreciation, capital gains preferences) for institutional single-family rental owners. Reinvests revenue into affordable housing supply and homebuyer assistanc

US H.R. 3475: Provides a new refundable tax credit for first-time homebuyers and a separate tax credit to home builders constructing starter homes, both subject to income and price limitations. Referred to House Ways and Means Committee.

US H.R. 7221: Amends the Investment Company Act of 1940 to prohibit registered investment companies, REITs, and private funds with $500M+ AUM or 100+ single-family home purchases from purchasing single-family homes. Requires divestiture of all existing SFR holdings within 1

US H.R. 6726: Amends the Housing and Urban Development Act of 1968 to reform housing counseling programs. Adds performance reviews for counseling agencies, foreclosure mitigation counseling requirements, and improved oversight. Sponsors: Rep. David Scott (D-GA), Rep. Beatty

US H.R. 7647: Full text under review. Title suggests expanded homeownership access programs — likely downpayment assistance or FHA eligibility expansion. Introduced Feb 24, 2026. Confirm scope before upgrading position.

US H.R. 6124: Prohibits algorithmic rent price coordination targeting companies like RealPage that collect pricing data from multiple landlords and use it to recommend above-market rents. Makes coordinating function a per se antitrust violation under the Sherman Act. Applie

US S. 967: Provides downpayment assistance grants specifically to first-generation homebuyers (neither parent or guardian ever owned a home). Targets the multigenerational racial homeownership gap. Eligible homes include condos, co-ops, and manufactured housing. Requires

US S. 336: Senate companion to H.R. 1849. Excludes from federal gross income payments received from state catastrophe loss mitigation programs when used to harden a property against windstorm, earthquake, flood, or wildfire. Closes a gap where state mitigation grants wer

US S. 586: Establishes a refundable federal tax credit for up to 33% of NFIP flood insurance premiums paid for a primary residence. Credit phases out at 350-435% of the federal poverty line. Includes advance payment mechanism via IRS. Directly reduces insurance cost burd

US H.R. 1849: Excludes from federal gross income payments received from state catastrophe loss mitigation programs when used to harden a property against windstorm, earthquake, flood, or wildfire. Closes a gap where state mitigation grants were taxed as income. Bipartisan.

US H.R. 68: Requires HUD to conduct a nationwide testing program to detect housing discrimination against prospective renters, homebuyers, and mortgage borrowers by race, color, religion, sex, familial status, disability, or national origin. Reauthorizes the Fair Housing

US H.R. 2038: Comprehensive housing package including: downpayment assistance for first-time, first-generation buyers; formula grant program for neighborhoods with appraisal gap (where median sale price is less than cost to build); strengthening the Community Reinvestment A